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Mortgage Lending Assistant

4 months ago

Palmyra, United States HOMEBANK Full time
Job Details

Level
Experienced

Job Location
HB PAL - PALMYRA, MO

Position Type
Full Time

Education Level
High School

Job Shift
Day

Job Category
Banking

Duties and Responsibilities

  • THIS IS NOT A REMOTE POSITION - CANDIDATE MUST LIVE AND WORK IN THE PALMYRA MO AREA.
  • Review all initial applications for completeness and request any missing information
  • Performs initial application tasks including but not limited to running credit reports and conducting account research.
  • Prepares all initial loan documentation and disclosures required.
  • Send esign documents as requested by Loan Officers within required time frames, notifying the Loan Officer of completion, and obtaining necessary audit report for compliance.
  • Obtains information related to the mortgage loan origination process including but not limited to sending appraisal orders, obtaining flood certificates, and ordering title work.
  • Contacts 3rd parties to obtain information needed for loan file which includes but is not limited to insurance companies and agents, title companies, inspectors, financial institutions, and employers.
  • Obtain any necessary invoices needed to be included with the file for closing and contact appropriate parties or conduct research for invoices already paid.
  • Obtains internal and external payoffs, as needed for loan file.
  • Reviews, organizes, and maintains customer file or digital folder.
  • Works directly with the Loan Officer and Underwriter to complete any required conditions to close.
  • Updates and maintains mortgage closing calendar.
  • Utilizes a workflow and file checklist to be able to provide status updates to Loan Officers, Underwriters, and/or other staff.
  • Prepares final loan documents as well as tickets and funding checks.
  • Fund loans with Investor and books all completed loans on Core Processor.
  • Monitors applications in process and works with Loan Officers to prepare withdraw/denial worksheets and verify proper documentation is included with the file to be processed out in a timely manner.
  • Works with the Loan Officer to review maturity report and prepares any necessary loan renewals or extensions.
  • Updates and maintain file checklists.
  • Update and maintain all assigned procedures.
  • Assist the Mortgage Department as needed.
  • Completes other duties and projects as assigned by supervisor.
  • Provides support to other lending assistants where services or assistance is needed. Acts as a backup for various loan department positions and functions as needed.
Additional Duties and Responsibilities:
  • Annually sign Customer Confidentiality and Privacy statement
  • Annually attend Robbery/Security Training
  • Annually read and execute the Employee Handbook and Disaster Plan
  • Be flexible and versatile with job duties as they arise throughout the day
  • Be able to prioritize and complete assignments
  • Work as a team member of HOMEBANK lending staff
  • Communicate any problems to supervisor
  • Additional duties and responsibilities are subject to change
Requirements
  • High school diploma or equivalent
  • Previous loan processing or servicing experience required
  • Maintain a working knowledge of banking laws and regulations and internal policies and procedures related to the job.
  • Maintain a working knowledge of all lending, deposit and e-banking products/services the bank offers
  • Detail oriented
  • Strong communication skills
  • Be proficient with computer skills including Microsoft Word, Excel and Web based applications (data entry, email, etc.)
Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
    • While performing the duties of this job, the employee is regularly required to, stand, sit, talk, hear, use hands and fingers to operate a computer and telephone keyboard, reach with hands and arms, stoop, kneel, twist and bend.
    • Ability to communicate in writing and verbally.
    • Specific vision abilities required by this job include close vision requirements due to computer work.
    • Light to moderate lifting or moving is required up to 25 pounds.
    • Regular, predictable attendance is required.
Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
    • Moderate noise (i.e. business office with computers, phone and printers, light traffic).
    • Ability to work in a confined area in some situations.
    • Ability to sit at a computer terminal for an extended period of time.
    • Standard office lighting.